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Multi Select — Oxford Life Insurance Company
Oxford Life Insurance Company
Best available rate
6.45%
8-yr guarantee · 8-yr surrender schedule · $20,000+ premium
Highest current rate across the available 3-year, 4-year, 5-year, 6-year, 7-year, 8-year, 9-year, and 10-year guarantee terms.
View all rates and terms ↓10%
Free W/D
46
Available jurisdictions
Rates as of October 20, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Multi Select
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Oxford Life Insurance Company product.
Live product data
Rates as of October 20, 2026, from AdvisorWorld and CANNEX.
5-year guaranteed rate
6% guaranteed for 5 years
A multi-term multi-year guaranteed annuity from an A-rated carrier, filed at multiple guarantee periods spanning short to long terms with a published annual free-withdrawal allowance, three surrender-charge waivers, and no income rider — built for fixed-rate safety across a chosen deferral window.
Best fit
Buyers who want a fixed guaranteed rate over a chosen multi-year window, value the flexibility of picking the term that matches their deferral horizon, and care about home-health, nursing-home, and terminal-illness surrender-charge waivers on top of the standard free-withdrawal allowance.
Available guarantee terms
3, 4, 5, 6, 7, 8, 9, and 10 years
AM Best
A Excellent
Available surrender terms
3, 4, 5, 6, 7, 8, 9, and 10 years
Free withdrawal
10%/yr
Availability
46 jurisdictions (restricted footprint)
Lifetime Income Riders
Income rider
Guaranteed Withdrawal Benefit
Product analyst notes
How to think about this contract
Why it can stand out
- Multi-Select is a multi-term MYGA — the same chassis is filed at multiple guarantee periods spanning short to long terms, so a buyer can match the surrender commitment to their deferral window rather than being forced into a single term. The full menu of available terms is published in the rate-by-term table on this page.
- The 7-year term currently quotes the highest guaranteed rate on this contract, above both the 5-year and the 10-year per the rate-by-term table on this page. That inversion is unusual in the MYGA market and worth checking against the buyer's planned deferral horizon — a shorter term with a higher rate may dominate locking in for the longest one.
- Three surrender-charge waivers ship on the contract — home health care rider, nursing home waiver, and terminal illness waiver — giving a meaningful penalty-free exit window for major-medical and long-term-care events on top of the standard annual free-withdrawal allowance published on this page.
What to confirm
- This is a multi-year guaranteed annuity, not an income product. The live feed shows no GLWB income rider attached — only the surrender-charge waivers above — so the contract does not promise a guaranteed lifetime payout, and a buyer who wants income should compare a rider-led FIA or an immediate annuity instead.
- The full surrender ladder runs the length of the chosen term — on the longest version it extends through the final contract year, which is at the long end of the MYGA market. A buyer who is not certain about a full multi-year deferral should size the term carefully; shorter-term guarantee periods are published alongside the longer terms, and their guaranteed rates tend to sit below the longer terms per the rate-by-term table on this page.
- Filing footprint is restricted rather than nationwide and falls below the near-universal coverage of the largest MYGA shelves — buyers in the missing states will not have access to this product and should confirm state availability in the state-availability section before quoting it.
- Oxford Life carries an A rating from A.M. Best, which is solid but a notch below the strongest ratings on the largest carriers. The strength view also comes from a single rating agency shown on this page, not a triangulated read across A.M. Best, S&P, and Moody's.
Not ideal for
Buyers who need a contractually guaranteed lifetime income from a GLWB rider, want index-linked accumulation, expect a premium bonus, or live in a state outside this contract's restricted footprint — none of those are what this contract is built to deliver.
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Guaranteed Rates by Term
| Term | Surrender term | Rate effective | Published rate |
|---|---|---|---|
| 3-Year | 3-Year schedule | Oct 1, 2026 | 5.7%Compound annual rate |
| 4-Year | 4-Year schedule | Oct 1, 2026 | 6.05%Compound annual rate |
| 5-Year | 5-Year schedule | Oct 1, 2026 | 6%Compound annual rate |
| 6-Year | 6-Year schedule | Oct 1, 2026 | 6.35%Compound annual rate |
| 7-Year | 7-Year schedule | Oct 1, 2026 | 6.2%Compound annual rate |
| 8-Year | 8-Year schedule | Oct 1, 2026 | 6.45%Compound annual rate |
| 9-Year | 9-Year schedule | Oct 1, 2026 | 6.3%Compound annual rate |
| 10-Year | 10-Year schedule | Oct 1, 2026 | 6.35%Compound annual rate |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Home health care rider, Nursing home waiver, Terminal illness waiver
Death benefit
Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Certain period, Single lifePublished payout options from the normalized contract facts.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
10-Year Version
Yr 1
10%
Yr 2
9%
Yr 3
8%
Yr 4
7%
Yr 5
6%
Yr 6
5%
Yr 7
4%
Yr 8
3%
Yr 9
2%
Yr 10
1%
After
0%
Nursing home waiver, Terminal illness waiver
Carrier Ratings
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